yes of course.
If you had medical coverage, you can.You cannot claim bodily injury against your own policy for yourself because you cannot be liable to yourself. Bodily injury coverage falls under the liability portion of your policy, for injury to others caused by you or the driver of your vehicle. You must carry PIP or MEDPAY for your own injuries.In the UK - the law is based on fault. Namely the driver at fault pays for the injury and vehicle damage to the innocent road user. Motor insurance is compulsory as this pays the liability of the driver at fault. So you cannot claim for bodily injury from your own insurance as you would be claiming against yourself - but if your motor policy was comprehensive you can claim from your own insurer for vehicle damage - subject to an excess. See the related link entitled "car driver injury claims" for a full explanation as to when a car driver can claim and when a car driver is considered liable.
Yes, but only as a secondary coverage to all other auto insurance claims you might have (like bodily injury liability against the at fault driver or personal injury protection coverage in no-fault states).
It covers bodily injury. I am a little confused with your question... It covers injuries to others if you are held or considered at fault for their injuries ex. you are held at fault in an auto acc.
Yes, the driver who was at fault is responsible for the bodily injury for anyone who has been hurt in the accident. The percentage of payment that has to be made would depend upon the percentage of fault for the accident, the prevaling norms of the state or province where the accident ocurred.
Why not? You still have rights, they should have some kind of B/I, bodily injury that will cover your medical. You should have has insurance but now in a worse case senerio you might have to carry an SR-22, but of course you can claim!
The at-fault driver's insurance will pay for all property and bodily injury damages.
Yes, you can. If she was in fault for the accident and you been hurt or injured you can make a claim and other passengers too.
medical coverage is any out of pocket expenses you incure. If another auto was at fault, you would file under their policy, for Bodily injury
The answer for this question is very complex and it depends upon the injury. If your at the No-fault state and you have no-fault insurance the insurance will cover general damages such as pain and suffering. The section of your policy that covers the bodily injuries (and your bodily injury claims) in a no-fault state is called Personal Injury Protectin or PIP. Although different states cover different things, in general, PIP covers your medical bills, lost wages, funeral costs and death benefits up to your policy limits. No-fault insuranc coverage can be very complex and you may want to consult a Personal Injury Lawyer to help you through the process.
Auto insurance coverages fall into some broad categories. They are, in general, Medical Payments, Collision, Comprehensive, Liability (Bodily Injury and Property Damage), Uninsured/Underinsured Motorist, Rental Car, and, if you live in a no-fault state, Personal Injury Protection (PIP). BODILY INJURY LIABILTY INSURANCE. All states require bodily injury liability insurance, except for Florida (a no-fault state) and New Hampshire. As of June 1, 2010, Wisconsin now also requires bodily injury liability insurance. PROPERTY DAMAGE LIABILITY INSURANCE. Property damage liability coverage addresses the costs of damages to the other driver's vehicle or property should you be involved and found at-fault for an auto accident. Commonly, property damage liability insurance also covers the damage caused by other authorized drivers of your vehicle. Currently, all states require property damage liability insurance.
The at fault driver's auto insurance company will pay for your medical treatment out of their Bodily injury liability coverage.
No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.
All insurance policys must conform to the laws of the state that the vehicle is being driven/wreck in. Whom ever is at fault for the loss, their policy will cover the injured party. If the N.J. driver is at fault then their policy will pay the injured PA driver under the N.J. policys bodily injury coverage. Subject to the rules of the state..Is it a p.i.p. state? If so the thresold must be eclipsed.
Florida's no fault car insurance pertains to medical payments. The insurance states that the insurance company will pay for your bodily injury claims regardless of who was at fault for the accident. Damage done to property (i.e. the car) would still be covered by the at fault party. The Florida no fault car insurance is a benefit because one does not have to worry about not having their medical needs covered because the accident was the fault of the other party and they do not have sufficient insurance.
So it depends on what state you live in. Here in CA we have a law which denies anyone who does not have insurance any bodily injury claim. Your car will be fixed to its prior state before the accident and nothing more. This information that I know of only pertains to the state of CA.
bodily injury liability coverage...
bodily injury liability coverage
Uninsured motorist coverage pays damages for bodily injuries when the at-fault driver or owner of a vehicle has no bodily injury liability coverage. It pays an amount up to the amount purchased by the insured, and is generally not a required coverage. In those states that utilize a comparative negligence rule of determining fault for a collision, the amount that the inured party can recover is reduced by the amount of liability attributable to him/her. In that respect, it operates similarly to the evaluation of the injury and damages if the at-fault party did have bodily injury liability coverage. Underinsured motorist coverage serves essentially the same purpose. However, it is triggered when the at-fault party's bodily injury liability coverage is less than the injured party's uninsured motorist coverage. Further, in order to be triggered, the "value" of the injury must exceed the liability coverage of the at-fault party.
It can be filed under the homeowners insurance as long as the person injury was not injuries in their own home. Homeowners insurance does not cover medical injuries for someone who lives in the house where the injury occurs.
Anyone who suffers injury or property damage in a collision is allowed to file a claim to insurance companies. Damages are to be paid by the insurance company of the person deemed to be at fault. In the case of injury to minors, damages are to be paid to the parents or guardians.
You will be cited by the police. The amount of the citation varies from state to state.If you are at fault for the accident, the other person's insurance company will come after you for reimbursement for what they paid out. If the other party is injured, they will use their Uninsured Motorist Coverage. The insurance company will seek reimbursement from you for the injuries as well.If you are not at fault, you could still file a claim against the other party's insurance. In some states however, there is a No Pay, No Play statute. This allows you to recover for your economic damages only. You could not file a claim for Bodily Injury. When you DO decide to get insurance your rates will be higher due to the accident even if you weren't at fault.
Liability car insurance protects drivers against costs incurred for treatment of bodily injury or for property damage. Injuries sustained to a non-fault individual are covered by the at-fault driver's policy. Each state has its own minimum coverage requirement for bodily injury protection as well as minimum protection amounts to cover the cost of repairs to other vehicles and personal property.Definitions Of Non-FaultIf a driver causes an accident and is injured, his or her own liability policy will not cover the medical costs. Other passengers riding in the vehicle are considered victims and can file a claim with the driver's insurance company. Damage to the driver's car is not covered by liability either. If the driver carries collision insurance the claim for repairs to his or her vehicle would be taken care of by this coverage.Many insurance shoppers wonder about the limits for bodily injury liability protection. A policy can be written for the minimum amount required by state law, however this protection amount may not adequately cover medical costs for non-fault parties. Drivers must carry a certain amount of protection to cover bodily injuries suffered by a single non-fault individual, but also must carry a minimum amount to cover the costs of injuries sustained by all non-fault individuals involved in the same accident.Adequate Protection RequiredMany states have minimums of about $20,000 in bodily injury protection per accident. If several non-fault individuals suffer serious injuries caused by the insured, total medical costs could easily exceed this amount. Most insurance boards and transportation safety experts recommend carrying at least $50,000 in bodily injury liability car insurance. If the costs of medical bills is far higher than the amount of protection a driver carries, injured parties may bring a civil suit against the insured to claim the difference. This can become a costly legal affair for both parties. One means of protecting against this possibility is to obtain gap insurance or personal injury protection insurance.Shopping For The Right PolicyDrivers and vehicle owners are encouraged to learn the minimum amounts of liability insurance required by their state. When shopping online for auto insurance customers should consider purchasing liability protection exceeding the state minimum. Quite often a quote will be given that requires only a few dollars more per month in premiums when this bodily injury protection is doubled. Money can also be saved by combining liability and collision insurance with personal injury protection. This type of coverage is required in some states.
PIP means personal injury protection and it is classed as no-fault insurance. This is because it will pay out regardless of who is at fault and will not increase your insurance premiums.
Depending on who was at fault, and the types of insurance involved, a lawsuit could be filed. The claim could be against another driver, insurance company or even the car manufacturer.
That's not very likely. The insurance company does not file your claim, they accept your claim notice from you. You have to file your claim with the company, not the other way around.